Buy houses on terms.
Learn how it works before you spend a dollar.
Subject-to, lease options, owner financing and wholesale on terms, explained in plain English with worked examples. Start with six free lessons. Add the Agent plan when you are ready.
- Six free modules to start
- Starting-point contracts with state notes
- Tools to sort leads and run the math
- Optional close and property management help
Results vary. We do not promise income. Read the income disclaimer.
The four structures
One house, four ways to say yes.
Sellers have different problems. Each structure solves a different one.
Subject-to
You take title and make the payments on the seller's loan. The loan stays in the seller's name, and the lender may be able to call it due. We teach how to plan for that.
Lease option
You control a house with a lease and a right to buy it later. Lease options can be sandwiched to a tenant-buyer.
Owner financing
The seller becomes the bank and is paid in installments. State and federal rules apply, especially for owner-occupied homes.
Wholesale on terms
You sign a contract and pass it to another buyer for a fee. Some states regulate this, so check yours.
How it works
From first call to payoff
- 1Sort the seller with five questions.
- 2Pick the structure that fits their situation and your state.
- 3Paper the deal with an attorney's review.
- 4Place a tenant-buyer or end buyer.
- 5Manage the position and plan the exit.
Watch the free lesson "One House, Start to Finish"
The dashboard
The tools that carry the work.
Everything below is inside the Agent dashboard. Free members see previews.
Six paid training modules with worksheets
Setup, lead flow, seller conversations, paperwork, selling your position and management.
Deal Engine
Suggests a structure from the numbers you enter. You decide.
Contracts Library
Starting-point agreements with state cautions. Have an attorney in the property's state review them.
Contract Admin help
Help with forms, e-signature and notary requests.
Deal Calculators
Subject-to and sandwich math, plus state-by-state terms notes with an interactive map.
Import Leads and My Leads
Track every seller you talk to in one place.
SMS, voicemail and AI avatar tools
With consent controls. Your avatar is only built with your written approval.
Hire a Closer (add-on)
A virtual closer team carries a warm, qualified lead through follow-up and signing. Fee terms shown before you sign up.
Property Management (add-on)
Silvercrest handles day-to-day care of an acquired property. Fee terms shown before you sign up.
Acquire on Terms
Lease options, subject-to, and owner financing.
Three ways a deal can end
An assignment fee, monthly cash flow, or equity at payoff. Results vary.
Help More Sellers
Solve problems, build relationships, win deals.
About Terms Deal Academy
You bring the effort. We bring the system.
Terms Deal Academy teaches everyday people how to acquire real estate on terms - lease options, subject-to, and owner financing - then backs them with software that does the heavy lifting.
We built the platform we wished existed: training, contracts, calculators, lead tracking and a team you can ask when you get stuck.
Real Systems
Training and tools in one place.
Real Support
Live Support when you get stuck.
Plain Rules
Examples are examples. No income is promised.
Free training
Six free lessons, no card needed.
The free modules cover the four structures, follow one house from first call to payoff, and show what the paid dashboard does for you.
- Free 01 - Why Terms Beat Cash Right Now
- Free 02 - Four Ways to Buy Without a Bank
- Free 03 - One House, Start to Finish
- Free 04 - Reading the Seller
- Free 05 - Staying Legal and Safe
- Free 06 - What the Paid Dashboard Does for You
Your voice. Your face. Your approval.
Follow-up that sounds like you
With your written consent, we build an avatar of your voice and likeness. Voice drops, email and SMS drips you send to your own contacts can then go out in your voice. You stay responsible for consent and for the rules on calling and texting.
- Consent-first: your avatar is only ever built with your written approval
- Voice drops, email and SMS drips that match one voice and one offer
- Opt-out and consent controls built into the Communications tools
- Property Management add-on: Silvercrest handles day-to-day care of a property you acquire. Fee terms shown before you sign up
How it works
- 1Record a short consent + voice sample inside your dashboard
- 2We build your AI avatar, voice and likeness
- 3You choose who receives voice drops, emails and texts
- 4You follow up on replies and warm calls
Watch First
How buying on terms works.
What this is, and what it is not
What it is
- Education and tools for buying on terms
- Starting-point documents and state notes
- A place to ask questions
What it is not
- A promise of income
- Legal, tax or lending advice
- A way around state law
Pricing
Pick your path.
No income is promised. Read the income disclaimer or see the full plan comparison.
Free
Learn how terms deals work before you spend anything.
- Six free training modules with video
- State Laws tab
- Dashboard preview and a sample lead
- Live Support for questions
Agent
For people ready to run their first deal with training, tools and support.
- Six paid training modules with worksheets
- Bonus Library of earlier recordings
- Contracts Library with state cautions
- Contract Admin help with forms, e-signature and notary requests
- Deal Scripts and Deal Calculators
- Import Leads and My Leads with the Deal Engine
- Communications tools with consent controls
- Priority support in Live Support
Refund policy in section 6 of our Terms. No income is promised. Read the income disclaimer.
Become an AgentAdd-ons for Agents
Fee terms are shown before you sign up for either one.
- VA Close: a virtual closer team carries a warm, qualified lead through follow-up and signing
- Property Management: Silvercrest handles day-to-day care of an acquired property
Common questions
Is this legal?
Buying on terms is legal in the United States, and it is regulated at the state level and sometimes federally. Rules differ by state, and some structures need disclosures or licenses. Our free training covers the basics and the State Laws tab gives state notes. For your situation, ask a licensed attorney in your state.
Do I need experience or good credit?
No experience is needed for the free modules. You do not need a bank loan in your name for most of the structures we teach, but you still need cash for fees, repairs, reserves and legal review.
How much cash do I need?
Plan for more than zero. Setup, insurance, attorney review, option fees and a reserve for repairs and vacancy all cost money. Our training shows an example budget, and it is an example only.
Will I make money?
We cannot promise that, and anyone who does is selling something. Results depend on your effort, market, state laws, skills and luck. Please read our income disclaimer before you decide.
What is the due-on-sale clause?
Many mortgages let the lender demand the full balance if the house is sold or transferred. Lenders do not always use that right, but they can. It is a real risk in subject-to deals, and we teach how to plan for it.
What if I get stuck?
Open a ticket in Live Support, use the chat, or call (888) 272-0260. We do not give legal advice, but we can point you to counsel.
Start with the free lessons.
Watch the first module. If it is not for you, you have lost nothing.
Create a free accountAgent plan $995 or 2 x $497. Results vary. Income disclaimer.